Terms & Conditions of Entry
General
1. Information on how to enter and prize details forms part of these Terms and Conditions of Entry. Entry into the promotion constitutes acceptance of these Terms and Conditions.
2. The Promoter is Pepper Money Limited (ABN 55 094 317 665), Level 27, 177 Pacific Highway, North Sydney NSW 2060, Australia (Promoter).
3. The Promoter’s decision in relation to any aspect of the promotion is final and binding on every person who enters. No correspondence will be entered into regarding the Promoter's decisions.
4. Entry is open to existing Pepper Money email subscribers who are Australian residents 18 years or older. Management, employees, directors and contractors of the Promoter and its related entities are excluded from entering (Eligible Entrant).
5. The Promoter reserves the right to determine whether a person is an Eligible Entrant at its absolute discretion.
6. The Promotion commences at 12:01am AEDT on Tuesday, 17 February 2026 and closes at 12:01am AEDT on Tuesday, 17 February 2026 (Promotion Period).
How to Enter
7. To enter the Promotion, Eligible Entrants must, within the Promotion Period, respond to the Pepper Money newsletter email, with an answer to the following question:
Share your favourite budget‑stretching tip? (Promotion Question)
8. Eligible Entrants can only submit one entry to the Promotion.
Judging
9. This Promotion is a game of skill and chance plays no part in determining the winner. Each entry will be individually judged based on the literary and creative merit of the answer provided to the Promotion Question.
10. Judging will be conducted at 10:00am AEDT on Wednesday, 4 March 2026 (Judging Date) at the offices of the Promoter, Level 27, 177 Pacific Highway, North Sydney, NSW 2060 (Judging Location).
11. The Promoter reserves the right to rejudge in the event of an entrant being unable to satisfy these conditions, forfeiting or not claiming a prize.
12. The judges’ decision in relation to any aspect of the promotion will be final and binding on every person who enters, and no correspondence will be entered into.
Prizes
13. There is one (1) prize to be won. The prize is an AUD $250 eGift card. The maximum total prize pool is AUD $250 (including GST) (Prize).
14. The winner will be notified by email within 7 business days of the Judging Date, and their name will also be published on the Promoter’s website from 12pm AEDT on Wednesday, 4 March 2026, for a minimum of 28 days.
15. The winner must respond to the Promoter’s email to claim the Prize by 12:00pm AEDT on Monday, 16 March 2026.
16. If the Prize is not claimed within the timeframe specified above, the Promoter may rejudge an entry (in accordance with Clause 11) to determine an alternate winner. The alternate winner must respond to the Promoter’s email to claim the Prize by 12:00pm AEDT on Monday, 23 March 2026.
17. The Prize will be sent to the relevant winners by email within 30 days of the relevant winner claiming their Prize.
18. The Prize is not exchangeable, or transferable and non-cash Prizes are not redeemable for cash. The Promoter shall not be liable for the Prizes being lost, stolen, damaged or tampered with in any way before they reach the winners or after they have been sent to the winners.
19. If the Promoter is unable to provide a winner with the nominated Prize, the Promoter reserves the right to supply an alternative prize of similar monetary value to the nominated Prize.
General disclaimer
20. The Promoter is not liable for any loss or damage whatsoever which is suffered (including but not limited to indirect or consequential loss), or for personal injury suffered or sustained as a result of taking any Prize, except for any liability that cannot be excluded by law.
21. This Promotion may be withdrawn at the Promoter’s discretion, and these Terms and Conditions may be amended by the Promoter at any time during the Promotion Period, subject to any direction from a regulatory authority.
22. Unless otherwise advised, this Promotion is not available in conjunction with any other discount or promotional offer.
Personal information
23. As a condition of entry, each Eligible Entrant acknowledges that all entries become and remain the property of the Promoter, who may publish or cause to be published the entrant's name and entry for any commercial purpose, including future promotional marketing and publicity purposes, and otherwise consents to having the content of their entry and name published by the Promoter online, via social media or any other medium.
24. Any contact information entrants provide will be used by the Promoter for the purpose of administering this Promotion and contacting and verifying the winners. Entry is conditional on providing this information.
25. The Promoter may, for the purpose of administering this Promotion, disclose an Eligible Entrant’s personal information to its contractors and agents. The Promoter may also disclose personal information to others including as required by Australian regulatory authorities. The collection, use and disclosure of Personal Information provided in connection with this Promotion is governed by the Promoter’s Privacy Policy.
E-gift card Terms & Conditions
26. The eGift card Prizes are issued by Unified Incentives Pty Ltd (ABN 53 157 818 427).
27. For full terms and conditions of the eGift card, please visit the eGift card issuer’s website.
Congratulations to our lucky winners!
Each winner will receive a $100 e-gift card for sharing their amazing tips on keeping a Christmas budget.
Thank you to everyone who participated and shared their ideas!
All winners will be contacted via email.
Jo Malham
Jill Knudsen
Linda Luczak
April Buchanan
Terms & Conditions of Entry
General
1. Information on how to enter and prize details forms part of these Terms and Conditions of Entry. Entry into the promotion constitutes acceptance of these Terms and Conditions.
2. The Promoter is Pepper Money Limited (ABN 55 094 317 665), Level 27, 177 Pacific Highway, North Sydney NSW 2060, Australia (Promoter).
3. The Promoter’s decision in relation to any aspect of the promotion is final and binding on every person who enters. No correspondence will be entered into regarding the Promoter's decisions.
4. Entry is open to existing Pepper Money email subscribers who are Australian residents 18 years or older. Management, employees, directors and contractors of the Promoter and its related entities are excluded from entering (Eligible Entrant).
5. The Promoter reserves the right to determine whether a person is an Eligible Entrant at its absolute discretion.
6. The promotion commences at 12:01am AEDT on Tuesday, 20 January 2026 and closes at 11:59pm AEDT on Sunday, 8 Febuary 2026 (Promotion Period).
How to Enter
7. To enter the Promotion, Eligible Entrants must, within the Promotion Period, respond to the Pepper Money newsletter email, with an answer to the following question: What is your best money-saving tip? (Promotion Question)
8. Eligible Entrants can only submit one entry to the Promotion.
Judging
9. This Promotion is a game of skill and chance plays no part in determining the winner. Each entry will be individually judged based on the literary and creative merit of the answer provided to the Promotion Question.
10. Judging will be conducted at 10:00am AEDT on Tuesday, 10 February 2026 (Judging Date) at the offices of the Promoter, Level 27, 177 Pacific Highway, North Sydney, NSW 2060 (Judging Location).
11. The Promoter reserves the right to rejudge in the event of an entrant being unable to satisfy these conditions, forfeiting or not claiming a prize.
12. Judging will take place at the offices of Pepper Money, Level 27, 177 Pacific Highway, North Sydney, NSW 2060 (Judging Location).
Prizes
13. There are five (5) prizes to be won. Each prize is an AUD $100 eGift card. The maximum total prize pool is AUD $500 (including GST) (Prize).
14. A maximum of one (1) Prize applies per winner.
15. Each winner will be notified by email within 7 business days of the Judging Date, and their names will also be published on the Promoter’s website from 12pm AEDT on Tuesday, 10 February 2026, for a minimum of 28 days.
16. Each winner must respond to the Promoter’s email to claim the Prize by 12:00pm AEDT on Friday, 20 February 2026.
17. If a Prize is not claimed within the timeframe specified above, the Promoter may rejudge an entry (in accordance with Clause 11) to determine an alternate winner. Each alternate winner must respond to the Promoter’s email to claim the Prize by 12:00pm AEDT on Friday, 27 February 2026.
18. All Prizes will be sent to the relevant winners by email within 30 days of the relevant winner claiming their Prize.19. These Terms and Conditions may be amended or withdrawn by the Promoter at any time, subject to any written directions from a regulatory authority.
19. The Prize is not exchangeable, or transferable and non-cash Prizes are not redeemable for cash. The Promoter shall not be liable for the Prizes being lost, stolen, damaged or tampered with in any way before they reach the winners or after they have been sent to the winners.
20. If the Promoter is unable to provide a winner with the nominated Prize, the Promoter reserves the right to supply an alternative prize of similar monetary value to the nominated Prize.
General disclaimer
21. The Promoter is not liable for any loss or damage whatsoever which is suffered (including but not limited to indirect or consequential loss), or for personal injury suffered or sustained as a result of taking any Prize, except for any liability that cannot be excluded by law.
22. This Promotion may be withdrawn at the Promoter’s discretion, and these Terms and Conditions may be amended by the Promoter at any time during the Promotion Period, subject to any direction from a regulatory authority.
23. Unless otherwise advised, this Promotion is not available in conjunction with any other discount or promotional offer.
Personal information
21. As a condition of entry, each Eligible Entrant acknowledges that all entries become and remain the property of the Promoter, who may publish or cause to be published the entrant's name and entry for any commercial purpose, including future promotional marketing and publicity purposes, and otherwise consents to having the content of their entry and name published by the Promoter online, via social media or any other medium.
22. Any contact information entrants provide will be used by the Promoter for the purpose of administering this Promotion and contacting and verifying the winners. Entry is conditional on providing this information.
23. The Promoter may, for the purpose of administering this Promotion, disclose an Eligible Entrant’s personal information to its contractors and agents. The Promoter may also disclose personal information to others including as required by Australian regulatory authorities. The collection, use and disclosure of Personal Information provided in connection with this Promotion is governed by the Promoter’s Privacy Policy.
E-gift card Terms & Conditions
24. The eGift card Prizes are issued by Unified Incentives Pty Ltd (ABN 53 157 818 427).
25. For full terms and conditions of the eGift card, please visit the eGift card issuer’s website.
